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OpenSky® Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
Credit Needed: Fair, Limited, PoorCreditWeb considers the following based on credit types:
A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. A credit score below 600 is considered poor credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $35 |
N/A* |
N/A* |
25.64% (variable) |
|
Our OpinionBuilding credit can be a daunting task, especially if you have little to no credit history. However, with the OpenSky® Secured Visa® Credit Card, you can start building your credit with ease. This secured credit card offers a variety of benefits and features that can help you establish and improve your credit score. Keep reading to learn more about the OpenSky® Secured Visa® Credit Card and how it can help you build your credit.
What is the OpenSky® Secured Visa® Credit Card?
The OpenSky® Secured Visa® Credit Card is a secured credit card that requires a security deposit to open. This deposit acts as collateral for your credit limit, making it easier for individuals with no credit or poor credit to be approved. The minimum security deposit is $200, but you can choose to deposit more to increase your credit limit.
How Does it Help Build Credit?
One of the main benefits of the OpenSky® Secured Visa® Credit Card is that it reports to all three major credit bureaus - Experian, Equifax, and TransUnion. This means that your responsible credit usage will be reflected in your credit reports, helping you build a positive credit history. By making on-time payments and keeping your credit utilization low, you can improve your credit score over time.
No Credit Check Required
Unlike traditional credit cards, the OpenSky® Secured Visa® Credit Card does not require a credit check for approval. This makes it a great option for individuals with no credit or poor credit. As long as you have a valid Social Security number and can provide the required security deposit, you can be approved for this card.
Low Annual Fee
The OpenSky® Secured Visa® Credit Card has a low annual fee of $35, making it an affordable option for those looking to build their credit. This fee is automatically deducted from your available credit limit, so you don't have to worry about paying it out of pocket. Additionally, there are no hidden fees or penalty APRs with this card.
Other Benefits and Features
In addition to helping you build credit, the OpenSky® Secured Visa® Credit Card offers other benefits and features that make it a great choice for those looking to establish or improve their credit.
These include:
- Online account management: You can easily manage your account online, making it convenient to track your spending and make payments.
- Credit limit increases: With responsible credit usage, you may be eligible for a credit limit increase after a certain period of time.
- Fraud protection: The OpenSky® Secured Visa® Credit Card offers fraud protection to keep your account and personal information safe.
How to Apply
Applying for the OpenSky® Secured Visa® Credit Card is quick and easy. Simply visit the OpenSky® website and fill out the online application. You will need to provide your personal information, including your Social Security number, and choose your desired credit limit. Once approved, you will need to make your security deposit to activate your card.
Building credit doesn't have to be a daunting task. With the OpenSky® Secured Visa® Credit Card, you can start building your credit with confidence. Apply today and take the first step towards a stronger credit score.
